In the Matter of
HOWARD SAVINGS BANKGLENVIEW, ILLINOIS(Insured Savings Bank)
ORDER OF APPROVAL OF TERMINATION OF INSURANCE

FDIC-04-235q

Pursuant to section 8(q) of the Federal Deposit Insurance
Act (the "Act"), 12 U.S.C. §1818(q), and section 18(i)(3) of
the Act, 12 U.S.C. §1828(i)(3), the Federal Deposit Insurance
Corporation ("FDIC"), having found that Edens Bank, Wilmette,
Illinois ("Bank"), has provided to the FDIC on October 4, 2004,
satisfactory evidence that it has assumed the liabilities for deposits
of Howard Savings Bank, Glenview, Illinois ("Insured
Institution"), as of September 30, 2004, as required by section
307.1 of the FDIC's Rules and Regulations, 12 C.F.R. §307.1, and
the Bank has notified the Insured Institution's depositors of its
assumption of their deposits, hereby issues the following ORDER:
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ORDER

IT IS HEREBY ORDERED, that the status of the Insured Institution
as an insured savings bank be, and hereby is, terminated as of October
4, 2004.

IT IS FURTHER ORDERED, that the separate insurance of all deposits
assumed by the Bank from the Insured Institution shall terminate at the
expiration of March 30, 2005, or, in the case of any time deposit, the
earliest maturity date after March 30, 2005, as provided in section
8(q) of the Act, 12 U.S.C. §1818(q).